职场英语口语急救包 第71期:银行业务

 　　第71期:银行业务

　　I want to open an account in this bank.

　　我想在这家银行开个储蓄户头。

　　A:I want to open an account in this bank.

　　A:我想在这家银行开个储蓄户头。

　　B:That’s all right,sir. But which do you prefer,a current account or a fixed¹ one?

　　B:好的，先生。您是开活期的还是定期的？

　　open an account

　　开户

　　What about the annual interest rates?

　　年息是多少？

　　A:What about the annual interest rates?

　　A:年息是多少？

　　B:At present, it’s 3% for the current account and 9% for the fixed account.

　　B:现在活期的利率为3%，定期的为9%。

　　How would you like your money?

　　您要什么面额的钞票？

　　A:How would you like your money?

　　A:您要什么面额的钞票？

　　B:It's all the same to me.

　　B:随便什么都可以。

　　What type of account are you interested in opening?

　　你想开哪一种账户？

　　A:What type of account are you interested in opening?

　　A:你想开哪一种账户？

　　B:I need a checking account for a new business.

　　B:我需要开个支票账户，做生意用。

　　Can I get an interest-bearing account?

　　我们能开有利息的账户吗？

　　A:Can I get an interest-bearing account?

　　A:我们能开有利息的账户吗？

　　B:You can have a money market account for your business that will draw interest,but you will need a non-interest bearing account.

　　B:你可以开计息的金融市场账户,但我们还需要个无息账户。

　　Is there a limit on the number of checks we can write per month?

　　每月开几次支票有限制吗？

　　A:Is there a limit on the number of checks we can write per month?

　　A:每月开几次支票有限制吗？

　　B:No,there isn't.

　　B:没有。

　　I need a loan or overdraft² to expand my business.

　　我急用一笔贷款或者透支款，以扩展生意。

　　A:I need a loan or overdraft to expand my business.

　　A:我急用一笔贷款或者透支款，以扩展生意。

　　B:I think we can approve your request of a loan for $8000.

　　B:我想我可以拨给你8000美元的贷款。

　　I’m sorry that we will not be available to offer you the credit.

　　对不起，我们无法给你提供货款。

　　A:I'm sorry that we will not be available to offer you the credit.

　　A:对不起，我们无法给你提供货款。

　　B:May I know the reason?

　　B:请问为什么？

　　Please would you cancel our check No. 530920 in favor of G. Mark Ltd. ?

　　请你取消号码为530920开给G马克有限公司的支票，好吗？

　　A:Please would you cancel our check No. 530920 in favor of G. Mark Ltd.?

　　A:请你取消号码为530920开给G马克有限公司的支票，好吗？

　　B:OK. Check No. 530920.

　　B:好吧，支票号码为 530920.

　　Have you ever thought of getting the draft discounted?

　　把支票贴现，你想过吗？

　　Can you please open an irrevocable documentary credit?

　　能开一张不可撤消的跟单信用证吗？

　　A:Can you please open an irrevocable documentary credit?

　　A:能开一张不可撤消的跟单信用证吗？

　　B:Yes,of course. May I know the beneficiary's name? And the amount?

　　B:当然可以。请问受益人的姓名。金额为多少？

　　irrevocable(adj.)

　　不能取消的

　　We have drawn³ a sight draft on you.

　　我们开具了一份以你为付款人的即期汇票。

　　A:We have drawn a sight draft on you.

　　A:我们开具了一份以你为付款人的即期汇票。

　　B:I'll inform my bank to pay the bill on my behalf and send me the documents.

　　B:我会通知银行代我付款，同时转给我船运单据。

　　sight draft( n.)

　　即期汇票,见票即付票据

　　We normally can’t allow overdraft facilities unless you make a formal arrangement with the bank.

　　我们通常不允许透支的，除非你同银行办理了正式手续。

　　overdraft(n.)

　　透支

　　Do you have any mortgage for the loan?

　　您有什么可以做贷款的抵押？

　　mortgage(n.)

　　抵押

　　Since you don’t have any collateral⁴, perhaps you could get a guarantor.

　　既然你们没有担保物,也许可以找个担保人。

　　collateral (n.)

　　抵押品；担保物

　　What’s the current market rates of discounting?

　　现行的市场贴现率是多少？

1 fixed   

adj.固定的，不变的，准备好的；(计算机)固定的

参考例句：

• Have you two fixed on a date for the wedding yet?你们俩选定婚期了吗？
• Once the aim is fixed,we should not change it arbitrarily.目标一旦确定，我们就不应该随意改变。

2 overdraft   

n.透支，透支额

参考例句：

• Her bank warned that unless she repaid the overdraft she could face legal action.银行警告她如果不偿还透支钱款，她将面临诉讼。
• An overdraft results when a note discounted at a bank is not met when due.银行贴现的支票到期而未能支付就成为透支。

3 drawn   

v.拖，拉，拔出；adj.憔悴的，紧张的

参考例句：

• All the characters in the story are drawn from life.故事中的所有人物都取材于生活。
• Her gaze was drawn irresistibly to the scene outside.她的目光禁不住被外面的风景所吸引。

4 collateral   

adj.平行的；旁系的；n.担保品

参考例句：

• Many people use personal assets as collateral for small business loans.很多人把个人财产用作小额商业贷款的抵押品。
• Most people here cannot borrow from banks because they lack collateral.由于拿不出东西作为抵押，这里大部分人无法从银行贷款。